2024 Tax Facts
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Here is a reference chart with 2024 income tax rates, capital gains rates, retirement contribution limits, and more.

#TBT Harvest Major Capital Losses Whenever You Have Them
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While you can only use $3,000 per year of capital losses to reduce your taxable income, you should bank as much capital loss as possible for other future uses.

#TBT Testamentary Donor Advised Funds
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Your executor will be grateful for an easier way to settle that part of your affairs.

#TBT The Minimalist Budget
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If you want to be really minimalist about your budgeting, here’s what we suggest: the 65-25-10 rule.

#TBT Newlywed To Do List
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This 2014 article offers a practical, timeless list of steps to consider after you join your lives together.

How to Implement a New Investment Plan
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Next time you are wondering if you should invest now or “wait for a better time,” remember Schwab’s study and invest now in whatever way makes you invest now.

#TBT The Benefits of Saving and Investing Early
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This 2014 article reminds us: don’t wait until you “have more” or “make extra money” – start saving now! It is worth more.

2023 Tax Facts
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Here is a reference chart with 2023 income tax rates, capital gains rates, retirement contribution limits, and more.

#TBT Which is Better: Bad Market Timing or Not Investing?
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This 2014 post reminds us that perhaps we should be more afraid of cash and inflation than stocks and investing.

#TBT A Year of Financially Healthy Habits
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Want to do the new year well? Here is a month-by-month guide for setting financially healthy habits.

The Difference Between Roth Conversions, Contributions, and Deferrals
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It is important to know the difference between these techniques to make sure you are maximizing your retirement savings.  

2022 Tax Facts
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Here is a reference chart with 2022 income tax rates, capital gains rates, retirement contribution limits, and more.

#TBT Things to Think About Before You Invest
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Knowledge and emotion can play off each other in ways that cause investing mistakes.

#TBT Never Lend to Family Without a Contract
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This 2015 article reminds us how unspoken expectations can cause relational strife but a written contract can protect the relationship.

2021 Tax Facts
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Here is a reference chart with 2021 income tax rates, capital gains rates, retirement contribution limits, and more.

#TBT How Do You Value a Gift of Stock for Taxes?
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This straightforward article about how to value your charitable gifts of appreciated stock may help you in preparing your tax return this year.

2020 in Review
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Looking closer into each asset class, here’s how our top six asset classes performed between January 1 and December 31, 2020.

#TBT How to Be a Good Executor
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If a friend recently asked you if you’re willing to be written into their will as an executor to their estate, this 2015 article will give you some food for thought before you reply.

Harvest Major Capital Losses Whenever You Have Them
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While you can only use $3,000 per year of capital losses to reduce your taxable income, you should bank as much capital loss as possible for other future uses.

2020 Tax Facts
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As 2019 draws to a close, it’s time to start looking ahead to 2020 tax planning.

2019 Second Quarter And Year-To-Date Returns For Our 6 Asset Classes
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During 2019, the U.S. Stock Market generally rose during the four quarters from the lows set by the Almost Bear Market of 2018.

2019 Tax Facts
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Here is a cheat sheet with information about the 2019 tax brackets and contribution limits that should help as you do your tax planning for the year.

State Tax Credits Are Becoming Less Valuable
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New proposed legislation cuts the benefit of donating to charity and receiving tax credits in return.

Q&A: Dividend Payouts and My Monthly Statement
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What’s the difference between Schwab’s “Ending Value” line and their “Ending Value with Accrued Income” line on my monthly statements?

First Quarter 2018 Returns for Our 6 Asset Classes
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Although volatility is often unwelcome by investors, it can provide profitable returns.

2017 Returns for Our 6 Asset Classes
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2017 was such a good year for the stock markets that it set a record.

2018 Tax Facts
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Here are the numbers to use as you’re doing tax planning this year. 

2018 Retirement Plan and HSA Contribution Limits
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Here are the numbers for how much you can save in retirement accounts and Health Savings Accounts in 2018.

How Do You Value a Gift of Stock for Taxes?
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How do you determine the value of your gift of stock? The IRS doesn’t like you to use rough estimates on your tax forms; they prefer a black and white number.

Radio: Equifax Breach and Financial Peace
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David John Marotta was interviewed on Radio 1070 WINA’s Schilling Show discussing the Equifax breach and Financial Peace University.

Radio: Getting Your Finances in Order
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David John Marotta was interviewed on Radio 1070’s Schilling Show discussing getting your finances in order.

Radio: The Case for No Minimum Wage
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David John Marotta was interviewed on the Schilling Show discussing the minimum wage, and the reasons keeping (or raising) a mandatory minimum wage could actually hurt some workers.

Radio Interview: Health Savings Accounts
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David John Marotta was interviewed on radio’s The Schilling Show discussing Health Savings Accounts and the recent Healthcare bill passed by Congress.

Radio: Tax Planning Season
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When you finish your tax preparation, it is time to begin tax planning.

What is the 5-Year Roth Rule?
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You can’t touch the earnings on your contributions until you’ve had an account open for 5 years and you’re either over age 59 ½ or you meet special exceptions.

Radio: What Does “Trickle-Down Economics” Mean to Liberals and Conservatives?
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David John Marotta was interviewed on the Schilling Show discussing trickle-down economics and taxes.

Radio: What’s the Difference Between Obstruction and Resistance?
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David John Marotta was interviewed on the radio 1070’s Schilling Show discussing the difference between obstruction and resistance.

Radio: The Politics of Kindness
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David John Marotta was interviewed recently on the Schilling Show discussing the politics of kindness and the difference between intentions and outcomes.

2017 Tax Tables
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If you’re doing some tax planning this year, here is a quick guide to the brackets.

Radio: Why Corporate Tax Rates Should Be Lowered
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David John Marotta was interviewed on radio 1070 WINA’s Schilling Show discussing corporate tax rates, and why they should be lowered.

Retirement Plan and Health Savings Plan Limits for 2017
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Every year the IRS releases new limits for how much you can contribute to Individual Retirement accounts and Health Savings accounts for the tax year.

2017 Estate and Gift Tax Limits
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Neither party has to pay taxes on gifts up to this gifting limit, and the limit remains unchanged from 2016.

Radio: Why is the Media Liberal?
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Listen to a discussion on why journalists are usually liberal-leaning and what that means for reporting the news in America.

2017 Employer-Sponsored Retirement Plan Limits
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Here are the limits for how much you and your employer can contribute to retirement accounts on your behalf.

The Minimalist Budget
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If you want to be really minimalist about your budgeting, here’s what we suggest: the 65-25-10 rule.

Avoid Age Appropriate Money Mistakes
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Every decade of life brings new financial challenges. Try to avoid these common pitfalls.

How Can I Give Away Money from My IRA?
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What if you do not need all the money from your RMD and you are also charitably inclined?

Radio: Should You Pay More Tax Than Legally Required?
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Is there morality that supersedes legally abiding by the tax code?

How Much Can I Give Away to Charity This Year?
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If you give away more than 50% of this year’s income, you cannot deduct it this year, but you can carry it forward for up to 5 years.

Fixing 401(k) Rollover Mistakes
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The IRS has a rule that if you are doing a rollover for a 401(k), you have 60 days to complete that process. But what if you experience a tragedy and can’t finish on time?

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